The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,720
−HK$2,365/mo
▼ 0.25% · 3.875%
HK$38,893
−HK$1,192/mo
Today · 4.125%
HK$40,085
baseline
▲ 0.50% · 4.625%
HK$42,524
+HK$2,439/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$80,170/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,963
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$43,088
−HK$1,142/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,331/mo
Deposit HK$8.27M · loan HK$8.27M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$8.89M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,264
−HK$2,838/mo
▼ 0.25% · 3.875%
HK$46,672
−HK$1,430/mo
Today · 4.125%
HK$48,102
baseline
▲ 0.50% · 4.625%
HK$51,029
+HK$2,927/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$96,204/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,356
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$51,706
−HK$1,370/mo
Today · 4.125%
HK$53,076
baseline
▲ 0.50% · 4.625%
HK$55,874
+HK$2,798/mo
Deposit HK$6.62M · loan HK$9.93M · min. income ≈ HK$106,152/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,808
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,450
−HK$1,669/mo
Today · 4.125%
HK$56,119
baseline
▲ 0.50% · 4.625%
HK$59,534
+HK$3,415/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$112,238/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,748
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,324
−HK$1,598/mo
Today · 4.125%
HK$61,922
baseline
▲ 0.50% · 4.625%
HK$65,186
+HK$3,264/mo
Deposit HK$4.96M · loan HK$11.58M · min. income ≈ HK$123,844/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,896
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$70,008
−HK$2,145/mo
Today · 4.125%
HK$72,153
baseline
▲ 0.50% · 4.625%
HK$76,544
+HK$4,391/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$144,306/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,533
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$77,559
−HK$2,055/mo
Today · 4.125%
HK$79,614
baseline
▲ 0.50% · 4.625%
HK$83,811
+HK$4,197/mo
Deposit HK$1.65M · loan HK$14.89M · min. income ≈ HK$159,228/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$620,323 · Scale 2, in force from 26 Feb 2026)